Page 57 - LRM.19 Principal Employee Packet

Policyholder: RATELINX

Voluntary Long Term Disability

(LTD) Benefit Summary

Effective Date: 12/01/2016

This chart provides you a brief summary of the key benefits of the long-term disability coverage available
from Principal Life Insurance Company. Following the chart, you will find additional information to answer
questions you may have. For a complete list of all your long-term disability coverage benefits and
restrictions, please refer to your booklet or contact your employer.

Eligibility
Job Class All Members
Eligible Members All active, full time employees (except seasonal, temporary, or contract workers) who
work at least 30 hours per week
Benefits Payable
Primary Monthly Benefit 60% of your predisability earnings up to $6,000.
Benefit Amount Primary monthly benefit less other income sources
Definition of Earnings Base wage with commission
Benefit Qualification
Elimination Period 90 days
Own Occupation Period 2 years
Maximum Benefit 5 years
Payment Period
Additional Benefits
Survivor Benefit Three times your primary monthly benefit less other income sources to your survivor.
Limitations & Exclusions
Pre-Existing Conditions 6 months prior/12 months insured
Other Limitations There are additional limitations to your coverage. A complete list is included in your
booklet.

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